Social Security is Underwhelming

 Social Security Benefits are underwhelming.

Social Security Benefits are determined by calculating your Average Wage by taking the average of your highest 35 years of inflation adjusted earnings (where wages in past years are adjusted by inflation into what those wages would be this year.) 

You are then eligible for benefits as follows:
90% of the 1st $13,380 of Average Wage
32% of next $67,672 of Average Wage
15% of next $79,548 of Average Wage
0% of Average Wage over $160,200

There are minor adjustments to this if you take SS early.

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